Just has this emailed to me, could be a result Thank you for contacting Xercise4Less in regards to cancelling your membership, we can confirm that your account has now been cancelled. We are sad to see you go and hope to help change your life in the near future. Team Xercise4Less. Regards Central Support Team Head Office Xercise4Less Unit 1, Kirkstall Industrial Estate, Kirkstall Road, Leeds, LS4 2AZ xercise4less.co.uk

Thanks Slick, I'll try and get that out today, I'll also enclose the email receipt from them about my cancellation etc

Its from X4L asking to call 01132038602

First text message received Ha!! My account is now in default already, (after only joining 14 days ago) please call blah blah blah

Thanks Slick, I'll update if/when I receive anything I'm sure I'll get some notice soon about the cancelled DD. Apparently X4L can take upto 30 days to process any cancellation

Hi Slick, Yes that's all it said, the 9.99 offer there normal price is 14.99...

Copy and paste from the text sent 8th Feb Hi, Xercise4less last chance to get the £9.99 offer. Call me for more info. Thank you i believe it opened 29th Jan

Yes sure do, the Girls name was Naomi, As the message I received also implies its still a pre sale opening offer, the following is on the cooling off form on there website "Those who have joined online or during our pre-sale club openings and wish to cancel during the 14 day cooling off period will be entitled to a full refund."

Hi Slick Sure, I got a text message (Still have it) saying last chance to get 9.99 offer. call me for more info..... so thats what I did, actually texts etc.... The branch is the Southend on Sea one

Many thanks Slick The DD has been cancelled, this was an extended pre sales offer so the cooling off should apply.

Is there any one else able to offer any experience or light with this please?

The 9.99 was there pre sales offer as the normal 12 month membership is 14.99, plus the email acknowledgement I received said I was an online member. There T&Cs are very contradicting. My membership cancellation request went in under 24 hours from when I joined so same day retrospectively. Not sure best course of action to take, when I signed up in the club the girl said I had the 14 days but guess they're just puppets on strings.

Hi, Seems these guys are popular I joined the new gym in person on their 9.99 offer, the next day I filled in their 14 day cancellation form on their website 10th Feb, I have the proof of email from their end. Does anyone know if they actually get back to you, is it safe for me to cancel the DD, would they make any entries on credit files? I've read stories that if you sign up in house you're not eligible for the 14 day cooling off is this true? TIA

Hey, haven't been around for a while, still trying to deal with 1st Credit. I offered them a full and final as they haven't been able to come up with the goods, have been corresponding via email after the original letter sent to them. Then sent me this after I raised my offer from 500 to 800, can someone take a look and give me a decent reply. Thank you for your email and comments in respects to the situation. Your offer of £800.00 is not deemed a reasonable offer based on the fact this is a credit card debt. This is regarding purchases made with a card which have not been paid back. We are still looking into your request for copy of the invoices to provide you with details of the amount. I have put another request for the copy agreement since we are still waiting for this information. We are not prepared to remove default that we consider to be correct.[/font] You may wish to consult the website of the information commissioner who defines a ‘default’ as follows; The term ‘default’, when recorded on a credit reference file should be used to refer to a situation when “the lender in a standard business relationship with the individual decides the relationship has broken down”. In our opinion theagreement does not become illegal or void because we have been unable to provide a copy agreement. We are unaware of any sanctions expressly stated in the Consumer Credit Act that provides for any remedies or for sanctions where monies are paid by the customer where the creditor is in breach of this section. Should legal action be taken we will of course question you under oath in respect of this debt. Such as whether you recall taking out the card, previously admitting, making repayments in accordance with the agreement etc. I note you have ceased making payments. Should our client subsequently obtain a copy agreement, or data required to create a ‘true copy’, then legal action will be immediately taken. (Being made via Payplan) I hope we can get this resolved and your account is on hold while we wait for the clients to supply us with the Copy Agreement. If you would like to get this account settled at a discount in which we are not required to provide we are happy to do so. The offer we provided prior was 3k ish against your balance £4k ish which is 30% off you outstanding balance. If you would like to take this opportunity then that is up to you to advise us but this is not up for negotiation. Thanks in advance

Postal order and CCA letter to whoever is chasing you for money at the moment

For an IVA you need to have been in full time employment for at least six months. I would ring the debt helpline or CCCS or Payplan, they are all charities Also at the same time send CCA requests off for your Loan and CC and see what they come up with if anything

Thanks for that, but where does it state the twelve days, also in there it still says after one month he commits an offence - I thought that was repelled or am I wrong? (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement; and (b) if the default continues for one month he commits an offence.

Can some one do me a favor and post up the legal bits in the Consumer credit act that says its 12 working days to supply the agreement, and also the legal bit in CPUTR about the 30 days being repelled Thanks:)

When I spoke to them they offered my 25% off my outstanding over 3 months or 30% over 6 months, quite a good offer if you've got the cash and want rid of them

Quality Result!

When I was talking to someone at MBNA they said that they would go as low as 25% of the outstanding balance and give you 3 months to pay it by installments, although it wasn't in writing I did believe her

Thanks 42man

Hello, 1st Crap are supposed to be sending my CCA by tomorrow, can some one post up the No CCA bog off letter for me please.

Rob thanks for the reply, yea they did start going into one about borrowing the money from friends and family etc, they also said I could use my redundancy money as well, like thats going to happen!! (its long gone), I hope they go quiet, I applied for the citi card online in 2003 so don't know what they will find if anything.

Cool thanks babybear I will get that off to citi later - is that 40 working days to respond? I haven't yet informed payplan of this yet, do you think I should or do you think they will cock it up with 1st crapit, they are still paying citi at the moment too